Zero-Fee Processing
Cash discount and surcharge programs that legally offset your processing cost, so the monthly statement stops eating your margin.
Merchant services · Nationwide
Eliminate fees.
Increase profits.
Smarter business.
Most merchants hand over three percent of every sale without ever reading the statement. Fate Pay Solutions rebuilds your payment stack around zero-fee processing — modern POS, next-day funding and a rep who answers the phone.
Powered by the PayBotX platform
The math
Processing fees are a bill you can cancel.
A restaurant running $45,000 a month at 3.1% pays roughly $16,700 a year to accept cards. On a compliant zero-fee program, that number goes to near zero — and the money stays in your business.
- No contracts built on hidden tiered pricing
- Compliant cash discount and surcharge programs
- Free equipment, programming and on-site setup
- Statement analysis in 24 hours, no obligation
Savings estimator
What are fees costing you?
$45,000
3.10%
Per month
$1,395
Per year
$16,740
Estimate only. Send a statement and we will calculate your exact number.
Solutions
Everything you need to take a payment.
Smart POS Systems
Full countertop and handheld POS for restaurants, retail and salons — inventory, tabs, tips, employees and reporting in one place.
Countertop & Mobile Terminals
EMV chip, tap-to-pay and mobile readers that ship configured. Plug in, batch out, get funded next business day.
Online & Virtual Payments
Payment links, invoicing, e-commerce gateways and a virtual terminal for phone orders and recurring billing.
Gift & Loyalty
Branded gift cards and loyalty programs that bring customers back and lift average ticket size.
Working Capital
Merchant cash advances based on your processing volume — funding for equipment, inventory or expansion.
Equipment samples
A sample of hardware that fits how you actually sell.
These are just samples of what's available — Clover, Dejavoo, Valor, PAX and more, sourced through our broker PayBotX, programmed for your business and shipped ready to run.
SamplePoint of sale
Full POS Stations
Countertop systems with customer-facing displays, inventory, tabs, tips and staff reporting.
- —Clover Station Duo & Solo
- —Clover Mini & Compact
- —KORONA, RPOWER, QuickV bundles
SampleHandheld
Wireless & Handheld
Take payment at the table, curbside or on a job site with built-in printer and Wi-Fi/LTE.
- —Clover Flex
- —PAX A920 Pro
- —Dejavoo P1, P3 & P5
SampleCountertop
Terminals & PIN Pads
Simple plug-and-play EMV chip, tap-to-pay and swipe terminals — including cash discount models.
- —Valor VL100, VL300, VP550
- —Dejavoo Z8, QD2, QD4, QD5
- —PAX S920 & SP30 PIN pad
SampleMobile app
Process From Your Phone
Download the app, pair a pocket reader and accept chip, tap and keyed payments anywhere you go.
- —BotX Go mobile app
- —Clover Go card reader
- —Valor RCKT EMV mPOS reader
Also available: kitchen display systems, self-order kiosks, cash drawers, receipt and label printers, barcode scanners, PIN pads, gateways and paper. Browse the full PayBotX catalog.
How it works
Four steps. About a week.
- 01
Send us a statement
We read your current processing statement line by line and show you exactly what you are paying and to whom.
- 02
See your savings
You get a plain-English side-by-side: today's cost versus a zero-fee program. No jargon, no surprise line items.
- 03
Get set up free
Equipment is programmed, delivered and installed. Your staff gets trained. Most merchants are live within a week.
- 04
Keep your margin
You keep processing revenue instead of donating it. We stay on call — a real person, not a support queue.
Savings showcase
Real businesses. Real results. Massive savings.
No fees. No contracts. Here is what recent clients stopped paying once they switched.
Dentist
Annual savings
$29,000
Practice management payments moved to a compliant zero-fee program.
Collision Center
Annual savings
$16,000
High-ticket repair invoices with no more surprise interchange downgrades.
Motorsports
Annual savings
$93,000
Dealership volume that was quietly bleeding six figures a year in fees.
· Eliminate unnecessary fees
· Increase profits
· Smarter business
Partners & vendors
We use the same trusted names you already know.
Your payments are backed by tier-one processors, major card networks and proven POS hardware — not a fly-by-night gateway. We route through the PayBotX platform and only work with vendors that pass strict compliance and reliability standards.
Networks
- ✓ Visa
- ✓ Mastercard
- ✓ American Express
- ✓ Discover
Processors
- ✓ Fiserv / First Data
- ✓ Elavon
- ✓ TSYS / Global Payments
- ✓ Worldpay
Hardware & POS
- ✓ Clover
- ✓ PAX
- ✓ Dejavoo
- ✓ Valor
Compliance
- ✓ PCI DSS compliant
- ✓ EMV chip certified
- ✓ End-to-end encryption
- ✓ Tokenized transactions
Legal zero-fee programs
Cash discount and surcharge setups are structured to follow Visa, Mastercard and state rules.
Secure data handling
Card data is encrypted and tokenized so it never touches your systems unprotected.
Reliable funding
Next-business-day settlement backed by major acquiring banks, not a sketchy middleman.
Why Fate Pay
Big-processor technology. Local-partner service.
We are an independent agency built on the PayBotX platform — enterprise-grade gateways, POS hardware and underwriting behind a team that knows your business by name. You get the tech of a national processor without the 800-number.
Explore the PayBotX platform →0%
Effective processing cost on qualifying programs
24hr
Typical funding on next business day batches
1:1
Direct line to your rep, not a call center
$0
Setup, programming and installation
Free statement analysis
Find out what you are really paying.
Send one recent processing statement. We will return a line-by-line breakdown and a zero-fee comparison — no cost, no pressure, no contract to look.